IMG Philippines Insurance: Coverage for Expats
Expats residing in the Philippines can get all the medical care they need through the International Medical Group (IMG) insurance network. This includes access to top hospitals and financial security in case of emergencies or evacuations.
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Do you plan on moving to the Philippines? Are you currently living in the Philippines? If you’re an expat residing in the Philippines or plan on moving there in the future, IMG health insurance is your go-to choice to have all your healthcare needs met throughout your stay.
This Pacific Prime article will go into detail on IMG Global, the advantages of IMG health insurance, IMG’s areas of health coverage, and the factors that determine the cost of IMG’s health insurance in the Philippines.
IMG Global in the Philippines for Expats
Since 1990, the International Medical Group (IMG) has provided expats in the Philippines with international medical insurance products covering a comprehensive range of major medical, life, dental, and disability products.
Their health insurance operations emphasize the importance of customer service above all else, offering multilingual services and international coverage for globetrotters who require easy and affordable access to the best healthcare services and peace of mind.
Listed below are some key facts about IMG Global:
- Multilingual Support: IMG Global provides in-house support in 18 languages
- Global Support: IMG Global provides support in over 190 countries, including the Philippines
- Flexible Solutions: IMG Global offers 25 unique insurance plans to meet your needs
- Large Networks: IMG Global has approximately 800,000 doctors and hospitals in their global database
- Globally Recognized: IMG Global is in agreement with approximately 43,000 producers
IMG Global Health Insurance Tiers in the Philippines
IMG Global offers its international health insurance plan through the Global Medical Plan, which is available in four coverage categories: Bronze, Silver, Gold, and Platinum. Each category offers different levels of coverage and benefits.
Designed for expatriate individuals and families planning to travel long-term, such as for a duration of one year or more, international health insurance provided by IMG Global ensures comprehensive benefits. For more details on each plan, read more on our IMG partner page.
IMG Bronze Global Medical Plan
The Bronze plan provides comprehensive coverage with a lifetime maximum limit of $1,000,000 per individual and a flexible deductible ranging from $250 to $10,000 per period of coverage. It covers treatments both inside and outside the U.S., including coverage for emergencies and hospitalization.
A summary of the benefits is listed below:
- Lifetime Maximum Limit: $1,000,000 per individual
- Deductible (Per period of coverage): $250 to $10,000
- Treatment Outside the U.S.: 50% of deductible waived, up to a maximum of $2,500. No coinsurance.
- Treatment inside the U.S. using a Medical Concierge: 50% of deductible waived, up to a maximum of $2,500. No coinsurance.
- Treatment inside the U.S. – PPO Network: Subject to deductible. No coinsurance.
- Treatment inside the U.S. – Non-PPO Network: Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% of the overall maximum per period of coverage.
- Coinsurance: International – 100%, U.S. in-network – 100%, U.S. out-of-network – 80%
- Outpatient: $300 maximum per visit.
- Mental/Nervous: N/A
- Hospital Emergency Room Injury: Subject to deductible and coinsurance.
- Hospital Emergency Room Illness: Subject to deductible and coinsurance. Covered only if admitted as an inpatient.
- Hospitalization / Room & Board: Subject to deductible and coinsurance for average semi-private room rate.
- Intensive Care Unit: Subject to deductible and coinsurance.
IMG Silver Global Medical Plan
The Silver plan offers enhanced coverage with a lifetime maximum limit of $5,000,000 per individual and a deductible range of $250 to $10,000 per period of coverage. It provides comprehensive coverage for domestic and international treatments, including coverage for emergencies and hospitalization.
A summary of the benefits is listed below:
- Lifetime Maximum Limit: $5,000,000 per individual
- Deductible (Per period of coverage): $250 to $10,000
- Treatment Outside the U.S.: 50% of deductible waived, up to a maximum of $2,500. No coinsurance.
- Treatment inside the U.S. using a Medical Concierge: 50% of deductible waived, up to a maximum of $2,500. No coinsurance.
- Treatment inside the U.S. – PPO Network: Subject to deductible. No coinsurance.
- Treatment inside the U.S. – Non-PPO Network: Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% of the overall maximum per period of coverage.
- Coinsurance: International – 100%, U.S. in-network – 100%, U.S. out-of-network – 80%
- Outpatient: $300 maximum per visit.
- Mental/Nervous: Outpatient after 12 months of continuous coverage. $10,000 maximum per period of coverage with a $50,000 lifetime maximum – Available after 12 months of continuous coverage.
- Hospital Emergency Room Injury: Subject to deductible and coinsurance.
- Hospital Emergency Room Illness: Subject to deductible and coinsurance. Additional $250 deductible if not admitted as an inpatient.
- Hospitalization / Room & Board: Subject to deductible and coinsurance for the average semi-private room rate. All are subject to $600 per day/240-day maximum.
- Intensive Care Unit: Subject to deductible and coinsurance. $1,500 limit per day – 180 days of coverage per event. Subject to deductibles and coinsurance.
IMG Gold Global Medical Plan
The Gold plan offers robust coverage with a lifetime maximum limit of $5,000,000 per individual and a deductible range of $250 to $25,000 per period of coverage. It provides coverage for treatments both inside and outside the U.S., including coverage for emergencies and hospitalization.
A summary of the benefits is listed below:
- Lifetime Maximum Limit: $5,000,000 per individual
- Deductible (Per period of coverage): $250 to $25,000
- Treatment Outside the U.S.: 50% of deductible waived, up to a maximum of $2,500. No coinsurance.
- Treatment inside the U.S. using Medical Concierge: 50% of deductible waived, up to a maximum of $2,500. No coinsurance.
- Treatment inside the U.S. – PPO Network: Subject to deductible. No coinsurance.
- Treatment inside the U.S. – Non-PPO Network: Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% of the overall maximum per period of coverage.
- Coinsurance: International – 100%, U.S. in-network – 100%, U.S. out-of-network – 80%
- Outpatient: Subject to deductibles and coinsurance.
- Mental/Nervous: $10,000 maximum per period of coverage with a $50,000 lifetime maximum available after 12 months of continuous coverage.
- Hospital Emergency Room Injury: Subject to deductible and coinsurance.
- Hospital Emergency Room Illness: Subject to deductible and coinsurance. Additional $250 deductible if not admitted as an inpatient.
- Hospitalization / Room & Board: Subject to deductible and coinsurance for the average semi-private room rate.
IMG Platinum Global Medical Plan
The Platinum plan offers coverage with a high lifetime maximum limit of $8,000,000 per individual and a flexible deductible ranging from $100 to $25,000 per period of coverage. It provides coverage for treatments both inside and outside the U.S., including emergencies and hospitalizations.
A summary of the benefits is listed below:
- Lifetime Maximum Limit: $8,000,000 per individual
- Deductible (Per period of coverage): $100 to $25,000
- Treatment Outside the U.S.: 50% of deductible waived, up to a maximum of $2,500. No coinsurance.
- Treatment inside the U.S. using Medical Concierge: 50% of deductible waived, up to a maximum of $2,500. No coinsurance.
- Treatment inside the U.S. – PPO Network: Subject to deductible. No coinsurance.
- Treatment inside the U.S. – Non-PPO Network: Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% of the overall maximum per period of coverage.
- Coinsurance: International – 100%, U.S. in-network – 100%, U.S. out-of-network – 80%
- Outpatient: Subject to deductibles and coinsurance.
- Mental/Nervous: $50,000 lifetime maximum
- Hospital Emergency Room Injury: Subject to deductible and coinsurance.
- Hospital Emergency Room Illness: Subject to deductible and coinsurance. Additional $250 deductible if not admitted as an inpatient.
- Hospitalization / Room & Board: Subject to deductible and coinsurance for average private room rate.
- Intensive Care Unit: Subject to deductible and coinsurance. $1,500 limit per day – 180 days of coverage per event. Subject to deductibles and coinsurance.
The Advantages of IMG Global Health Insurance in the Philippines
By taking out IMG Global Health Insurance, expats in the Philippines can enjoy global support, services without obstacles, accessible insurtech, international provider access, financial stability, international emergency care, and lifetime coverage.
The advantages are as follows:
Worldwide Assistance
Help is at your fingertips whenever you need it with IMG’s global network of offices and consultants. Their corporate mission is to be there to protect your finances and ensure your access to healthcare services.
Problem-Free Services
The worldwide, multilingual experts at IMG are accustomed to juggling different time zones, languages, and currencies. This means you can rest assured that you will receive the quality treatment you require while in the Philippines because of their extensive network of contacts around the world.
Customizable Coverage
Expats have the option to personalize their plans by adding supplemental benefits like dental and vision coverage. IMG Global offers a wide range of insurance plans to accommodate different needs and budgets.
Accessible and User-Friendly Technology
With an IMG health insurance plan, you have access to myIMGSM, a secure, round-the-clock online portal where you can do a lot of things like submit and view claims, manage your account, look for doctors, chat with agents, and more.
Mental Wellness
When you need support adjusting to a new culture, a new school, a new job, or just making new friends while you are away from home, IMG offers mental health services like virtual counseling.
Worldwide Access to Providers
Thanks to IMG’s proprietary IPA network of over 17,000 accomplished physicians and facilities, you can access quality private healthcare anywhere in the world, including the Philippines. This is in addition to their extensive PPO network, which also covers treatments received within the US.
Financial Security and Stability
Policyholders from all over the world can rest easy knowing that IMG has the backing of reputable underwriters like Lloyd’s and Sirius International Insurance Corporation, both of which have excellent reputations and financial stability ratings.
Global Emergency Care
You might not have the luxury of waiting for normal business hours if a medical emergency happens while you are away from home. At all times, you can reach IMG’s on-site medical staff, who are highly trained in emergency medical services and international treatment coordination.
What does IMG Global’s Health Insurance Cover in the Philippines?
IMG’s health insurance provides expats in the Philippines with coverage for primary medical care, emergency evacuation, emergency reunions, return of mortal remains, political evacuation and repatriation, maternity care, and pre-existing condition coverage.
Primary Healthcare
Whether you need emergency treatment or regular checkups, IMG plans give the cross-border medical coverage you need to keep medical expenses manageable.
Emergency Evacuation
This coverage ensures that if you require emergency medical evacuation due to a sudden illness or injury, you will be transported to the nearest qualified medical facility. It also covers the reasonable transportation expenses associated with the evacuation.
Emergency Reunion
In the event of a medical emergency, the Emergency Reunion Benefit covers the travel and lodging expenses of a relative or friend. This coverage can either include the cost of accompanying you during the evacuation or cover the expenses of their traveling to be reunited with you.
Return of Mortal Remains
If a covered illness or injury results in death, the Return of Mortal Remains benefit provides coverage for the repatriation of your bodily remains or ashes to your home country. Alternatively, it may cover the costs associated with the preparation, local burial, or cremation of your mortal remains.
Political Evacuation and Repatriation
This benefit is available specifically on the Global Medical Insurance – Platinum plan. It covers the transportation costs in case you need to be evacuated in the event of political unrest or other dangerous situations. Additionally, it can cover the expenses of repatriation to your home country.
Maternity Coverage
Also available on the Global Medical Insurance – Platinum plan, the Maternity Benefit provides coverage for various aspects of pregnancy and childbirth. This includes coverage for prenatal care, delivery, postnatal care, and newborn care.
Pre-Existing Condition Coverage
Once you have maintained coverage for a specified period, this benefit becomes available to you. It provides coverage for pre-existing conditions that may have been excluded from coverage, meaning that any medical conditions you had prior to obtaining the insurance will be covered.
The Cost of IMG’s Health Insurance in the Philippines
Several factors contribute to the overall cost of IMG health insurance for expats in the Philippines, including the age of the policyholder, the policy’s coverage area, the policyholder’s gender, the plan’s level of coverage, and the policyholder’s medical history.
As a result, expats should consider the following prior to taking out IMG health insurance for their stay in the Philippines:
Policyholder Age
As policyholders age, they become more susceptible to illnesses and health problems. Consequently, this is taken into account when a premium is calculated for each policyholder.
Area of Coverage
When selecting a coverage area for health insurance, including the United States in the coverage can result in higher premiums. Medical expenses in the country are generally more expensive compared to other parts of the world, and insurance providers factor this into the premium calculations.
Payment Frequency
IMG offers a discount to its members who choose to pay for their coverage on an annual basis. This means that if you pay for the entire year’s coverage upfront, you can enjoy a reduced premium compared to paying on a monthly, quarterly, or semi-annual basis.
Gender
The premiums for health insurance can vary based on the sex of the insured individual. Women in their child-bearing years typically have higher premiums compared to men due to the potential costs associated with pregnancy and related medical expenses.
On the other hand, as men age, their premiums tend to be higher because they generally have a shorter life expectancy. Insurance providers consider these factors when determining the premiums based on the insured person’s sex.
Coverage Level
The cost of a health insurance plan depends on the level of coverage chosen. If you opt for a plan with extensive benefits and additional optional coverage, the premium will be higher. The insurance premium reflects the level of coverage selected by the policyholder.
Medical History
When applying for health insurance, an individual’s medical history may be taken into consideration during the underwriting process. Insurance providers assess the health status of expatriates to evaluate the potential risks associated with insuring them.
Before You Depart for the Philippines
Prior to moving to the Philippines, expats should carefully consider taking out the best health insurance policies. Fortunately, IMG health insurance provides expats in the Philippines with comprehensive coverage and access to the best private hospitals.
If you require help, feel free to reach out to our brokers today to receive a complimentary quote for an IMG Global insurance plan, along with unbiased advice. Unlike insurance agents, insurance brokers, such as Pacific Prime, maintain impartiality in providing guidance.
Moreover, while you’re at it, it’s worthwhile to read up on Philippines health insurance as a guide, Philippines health insurance for long-term visitors, or learn more about Cigna Philippines health insurance for expats.
Whether you prefer to contact us or conduct a quote comparison yourself on our website, we are here to assist you. Contact us today.
Frequently Asked Questions
What are the coverage tiers offered by IMG Global Health Insurance in the Philippines?
IMG Global offers four coverage tiers: Bronze, Silver, Gold, and Platinum. Each tier provides different levels of coverage and benefits, up to a limit of USD $8,000,000.
What advantages does IMG Global Health Insurance provide to expats in the Philippines?
IMG Global Health Insurance offers advantages such as worldwide assistance, problem-free services, accessible and user-friendly technology, worldwide access to providers, financial security and stability, and global emergency care.
What factors affect the cost of IMG Global Health Insurance in the Philippines?
Several factors contribute to the cost of IMG Global health insurance, including the policyholder’s age, coverage area, gender, payment frequency, coverage level, and medical history. These factors are taken into account when calculating the premium for each policyholder.
Why do expats in the Philippines choose IMG Global Health Insurance?
IMG Global is the preferred choice for expats due to its outstanding member service, extensive medical benefits, and wide range of insurance options. IMG Global caters to individuals, families, businesses, students, and professionals, ensuring that everyone can find an insurance solution.
Upon graduating from Mahidol University International College’s International Relations program, he spent his career in marketing and business development, working for an international subcontractor, a marketing research firm, an international news agency, a software development company, and a creative agency. His journey now continues at Pacific Prime, where he hopes to make an impact by simplifying insurance and writing a gargantuan amount of SEO articles to draw in billions of leads.
In his free time, Piyanat is an avid martial artist and musician, spending most of his time at boxing gyms in Nakhon Pathom and music studios with his friends in the music industry.
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